Account Representative

Jobtailor; Iowa (LA); On-site; USD 65,000 - 90,000; Full time

Job summary

Jobtailor is seeking a credit and portfolio specialist to oversee transportation-industry client relationships and manage risk. You will engage with factoring clients, assess credit risk, and present actionable recommendations to the credit and operations teams.

You will monitor aging, analyze financials, and ensure accurate documentation while staying compliant with policies and procedures. This role emphasizes client service and industry awareness in a dynamic environment.

Qualifications

• Associate’s degree plus two years of relevant work experience or the equivalent.
• Strong verbal, written, and interpersonal communication skills.
• Highly organized and detail oriented.
• Proven analytical skills and ability to meet deadlines.
• Basic financial acumen and familiarity with accounts receivable concepts.
• Ability to manage numerous business clients and assist with project initiatives.
• Proficiency in Microsoft Office.
• Ability to learn factoring operating system technology.
• Adherence to policies, procedures and compliance requirements.
• Participation in compliance training.

Responsibilities

• Oversee a portfolio of business relationships in the transportation industry to achieve client and risk management goals.
• Develop strong client relationships and ensure overall client satisfaction.
• Interact consistently with factoring clients through thorough and meaningful conversations.
• Become a trusted advisor on prospective debtors and receivable solutions.
• Monitor portfolio activity, identify trends, and mitigate risks and discrepancies.
• Review receivable aging regularly for each client.
• Analyze client-provided financials for assigned portfolio clients when appropriate.
• Evaluate credit risks associated with prospective and existing clients.
• Prepare and present credit proposals and recommendations with credit and operations teams.
• Monitor factoring files for proper maintenance and complete, accurate documentation.
• Update account information and maintain accurate customer records.
• Manage portfolio reviews, risk rating changes, and other portfolio documentation.
• Communicate factoring product benefits to prospective clients and referral sources.
• Review publications and attend industry functions to build industry and competitor knowledge.
• Structure, prepare, and present client opportunities for factoring relationships.
• Assist the business development team in reviewing and analyzing prospective client relationships.
• Consult with leadership to ensure account portfolios align with credit policies and approval requirements.
• Advise management on client account matters, performance, opportunities, and recommended actions.
• Monitor industry, economic, and financial trends affecting the factoring client portfolio.
• Attend team, underwriting, business development, and risk management meetings.
• Follow employee handbook policies and procedures and complete required compliance activities.

Skills

Client Relationship Management

Credit Risk Evaluation

Portfolio Monitoring

Analytical Skills

Microsoft Office Proficiency

Education

Associate’s degree

Tools

Factoring Operating System Technology

Microsoft Office

Job description

• Oversee a portfolio of business relationships in the transportation industry to achieve client and risk management goals
• Develop strong client relationships and ensure overall client satisfaction
• Interact consistently with factoring clients through thorough and meaningful conversations
• Become a trusted advisor on prospective debtors and receivable solutions
• Monitor portfolio activity, identify trends, and mitigate risks and discrepancies
• Review receivable aging regularly for each client
• Analyze client-provided financials for assigned portfolio clients when appropriate
• Evaluate credit risks associated with prospective and existing clients
• Prepare and present credit proposals and recommendations with credit and operations teams
• Monitor factoring files for proper maintenance and complete, accurate documentation
• Update account information and maintain accurate customer records
• Manage portfolio reviews, risk rating changes, and other portfolio documentation
• Manage reserve accounts and report concerns regarding reserve balances and accounts-receivable aging risk
• Communicate factoring product benefits to prospective clients and referral sources
• Review publications and attend industry functions to build industry and competitor knowledge
• Structure, prepare, and present client opportunities for factoring relationships
• Assist the business development team in reviewing and analyzing prospective client relationships
• Consult with leadership to ensure account portfolios align with credit policies and approval requirements
• Advise management on client account matters, performance, opportunities, and recommended actions
• Monitor industry, economic, and financial trends affecting the factoring client portfolio
• Attend team, underwriting, business development, and risk management meetings
• Follow employee handbook policies and procedures and complete required compliance activities

Requirements

• Associate’s degree, plus two years of relevant work experience or the equivalent
• Effective verbal, written, and interpersonal communication skills
• Highly organized and detail oriented
• Proven analytical skills and ability to meet deadlines
• Basic financial acumen
• Familiarity with accounts receivable concepts
• Ability to manage numerous business clients
• Ability to assist with project initiatives while providing exceptional customer service
• Proficiency in Microsoft Office
• Ability to learn factoring operating system technology
• Must adhere to First Bank & Trust policies, procedures, and compliance requirements
• Required participation in compliance training

Core Competencies

Demonstrates strong client relationship management and risk assessment capabilities within the transportation industry, with a focus on credit analysis and compliance adherence. Proficient in monitoring portfolio activities and providing exceptional customer service while maintaining accurate documentation.

Highest-signal resume keywords

• Client Relationship Management
• Credit Risk Evaluation
• Portfolio Monitoring
• Analytical Skills
• Microsoft Office Proficiency

ATS Optimization Keywords

Hard Skills

• Credit Analysis
• Accounts Receivable Concepts
• Financial Acumen
• Documentation ManagementRisk Management

Soft Skills

• Effective Communication
• Organizational Skills
• Detail Oriented
• Customer Service

Certifications & Qualifications

• Compliance Training Participation

Industry Keywords

• Transportation Industry
• Factoring
• Portfolio Management
• Debt Management
• Financial Trends

Tools & Technologies

• Factoring Operating System Technology
• Microsoft Office